High-Risk Payment Gateway in Malta. Powered By EU Acquires
QuadraPay is a merchant-centric provider that aims to offer cost-effective high-risk credit card payment processing solutions for online and retail businesses in Malta. We offer both European and local merchant account services in Malta. Our merchant account solutions can be extremely beneficial for Malta-based merchants from high-risk industries like gaming, crypto, vapes, cbd and adult.
We offer a variety of credit card merchant services in Malta.
These include high-risk credit card acquiring services, retail point-of-sale payment terminals, virtual terminals, and mobile payment processing solutions. Our solutions give merchants in Malta the ability to accept payments in over 100 currencies.
Our high-risk payment processing solutions are available to existing businesses as well as start-ups. Businesses already accepting payments may be able to reduce their credit card processing rates with our solutions.
Our connections with EU-based credit card processing companies give us the ability to provide excellent products to merchants. Apart from conventional credit card payment processing, our solutions also include alternative payment methods.
A user-friendly merchant panel allows businesses to gain deep insight into real-time transaction data. High-risk merchants can easily generate reports of transactions, refunds, and chargebacks.
Features and Benefits of High-Risk Merchant Accounts in Malta
We provide a hassle-free onboarding process, ensuring businesses can start accepting credit card payments quickly. Our Malta-based merchant service provider partners offer 24/7 support, ensuring merchants have access to consistent assistance from a dedicated team. Our solution come with transparent pricing structure. No hidden charges makes us the perfect choice for your high risk business in Malta.
| Feature | Description |
|---|---|
| Multi-Currency Acceptance | Accept payments in 100+ currencies including EUR, USD, GBP, and more. |
| Chargeback Management Tools | Access real-time reporting and mitigation systems to handle disputes efficiently. |
| Advanced Fraud Detection | Built-in fraud scoring and 3D Secure for secure transactions and PCI-DSS compliance. |
| API & Plugin Integrations | Developer-friendly API and ready plugins for WooCommerce, Shopify, Magento, and more. |
| Fast Settlement | Receive cleared funds in your account within 1–3 business days depending on risk profile. |
| Transparent Pricing | Choose from Interchange++ or fixed models with no hidden fees or surprises. |
| Omnichannel Support | Process payments through eCommerce, mobile apps, and face-to-face POS systems. |
| 24/7 Merchant Support | Get access to round-the-clock assistance from trained merchant support teams. |
Multicurrency processing makes accepting international transactions easy. Our competitive pricing for multiple payment methods helps boost profits for your business. The powerful API offers better customisation. Developers can easily use the API to write code that matches the look and feel of the payment page to the merchant’s brand. Ready-to-use plugins offer an easy, no-coding integration process.
Fast settlement of funds helps ensure efficient cash flow. All of our partners follow robust security measures to ensure the confidentiality of transaction information. This commitment to compliance keeps our partner providers fully aligned with card processing rules.
All the above-mentioned features provide the much-needed resources to increase sales revenue, improve customer satisfaction, and reduce the cost of card payments.
Supported High- Risk Industry Types for Merchant Card Services in Malta
QuadraPay provides merchant account solutions to merchants in high-risk categories such as crypto, dating, trade shows, gaming, forex, and prop trading. Whether you operate a retail store, an online platform, or a service-oriented business, QuadraPay has a credit card payment processing solution for you. Our retail POS payment terminals are highly beneficial for businesses such as supermarkets, stationery shops, gift shops, souvenir shops, and restaurants.
| Industry Type | Risk Category | Account Type | Licensing Required |
|---|---|---|---|
| Crypto Exchange | Very High | Online Only | Yes |
| Online Gaming | High | Online & POS | Yes |
| Forex Trading | High | Online Only | Yes |
| Dating Websites | High | Online Only | Optional |
| Adult Content | Very High | Online Only | Yes |
| CBD Oil Retailers | High | Online & POS | Yes (Varies) |
| Event Ticketing | Medium | Online & POS | Optional |
| Nutraceuticals | High | Online Only | Optional |
| Prop Trading Firms | High | Online Only | Yes |
| Travel & Airlines | High | Online & POS | Yes |
KYC Documents for High-Risk Payment Gateway in Malta
| Document Type | Purpose | Accepted Format |
|---|---|---|
| Company Registration Certificate (MFSA) | Proof of legal incorporation in Malta | PDF / Certified Scan |
| Valid ID of Directors & UBOs | Identity verification (passport or Maltese ID) | PDF / JPEG |
| Utility Bill (Recent – 90 Days) | Address verification for directors and business premises | PDF / Scan Copy |
| Business Bank Statement | Proof of financial activity (last 3–6 months) | |
| Processing History | Recent merchant account statements (if applicable) | PDF / CSV |
| Domain Ownership Proof | Required for eCommerce or online businesses | WHOIS Screenshot / Domain Invoice |
| Shop or Office Photos | Applicable for brick-and-mortar businesses | JPEG / PNG |
| Relevant Industry Licence | Mandatory for regulated sectors like gaming, crypto, travel, pharmacy | PDF / Scan Copy |
| Completed Merchant Application Form | Standard application form provided by acquiring partner | PDF / Online Form |
The primary requirement is that the applying entity must be legal. The underwriting team will request a set of documents to evaluate the merchant’s risk profile, financial strength, reputation, and political exposure. The required documents include proof of business registration, identification for all directors and Ultimate Beneficial Owners (UBOs), utility bills for the business and directors’ addresses, bank statements, recent processing statements, and a bank letter or void cheque. If the merchant applies for an online merchant account, domain registration proof is also necessary.
For merchants operating a retail business requiring a physical card processing terminal, pictures of the store are also required. Additionally, the merchant must fill out a merchant account application form. In cases where the merchant operates in licence-driven industries such as travel, adult, airline, CBD oil, gaming, online pharmacy, or crypto exchange, relevant licences or certificates are also needed.
Rates and Fees for High-Risk Credit Card Processing in Malta
Our Malta merchant account pricing is not fixed; instead, it is transparent. Each card type has a fixed interchange cost, making accepting consumer cards a lot cheaper than accepting corporate cards. Thus, our solutions come with an interchange++ pricing model, giving you a clear picture of how much you will be paying for each card-type transaction. However, if interchange++ pricing appears to be complex, we can also provide highly competitive fixed or tiered pricing models. Please keep in mind that high-risk merchant accounts in Malta cost slightly more than regular accounts.
| Pricing Model | Transparency | Best For | Availability in Malta | Key Notes |
|---|---|---|---|---|
| Interchange++ | High | High-volume merchants | Yes | Detailed breakdown by card type; best for optimising cost structure |
| Tiered Pricing | Moderate | Growing businesses with varied card types | Yes | Combines multiple card rates into simplified tiers |
| Flat Rate | Low | Start-ups & low-volume merchants | On Request | One rate for all cards; simpler but potentially less cost-efficient |
FAQ: High-Risk Merchant Credit Card Services in Malta
What is the process for opening a merchant account in Malta?
To open a merchant account in Malta, you will need to sign an agreement with a high-risk merchant account provider. The acquiring company will handle all credit card transactions for you. You need to provide business documents for the bank to evaluate your application. While it’s possible to get a merchant account directly from a bank in Malta, this process can be time-consuming. Using a payment service provider can simplify the process.
How can established businesses in Malta get lower rates for card processing than what they are already paying?
Merchants who have been accepting credit card payments for the last six months can apply with QuadraPay to potentially secure better pricing. Our team will submit your application to various payment processors, allowing them to review your profile. We will then connect you directly with the payment service provider, enabling you to negotiate and secure better pricing for your business’s credit card processing requirements.
How long does it take to get a merchant account in Malta?
In most cases, for low-risk merchants, getting an approved merchant account in Malta usually takes one to two business days. However, for high-risk merchant it may take up to a week to get approval. To improve approval chances and reduce processing time, ensure you submit all KYC documents at once. Also, promptly respond to any additional requests made by the payment processor.
How do banks and payment service providers (PSPs) verify the activities of online companies using Maltese merchant accounts?
Before approving the account, underwriters perform a strict evaluation to ensure only genuine merchants obtain a Maltese merchant account. Additionally, the payment processors we work with adhere to the latest PCI standards, which are crucial in reducing fraud. Once approved, the merchant remains under proactive monitoring. If anything suspicious is identified, steps including placing a hold on further transactions may be taken. Therefore, it is important to use the merchant account wisely.
Why do merchants from Europe prefer merchant accounts from Malta?
Many high-risk merchants from other European nations like Slovenia, Finland and Greece prefer Malta for credit card processing because Malta is known as one of the industry leaders in financial services. The availability of multiple merchant acquiring institutions in one country gives it well-deserved recognition as the financial services capital of the European Union.
Get in Touch with QuadraPay Today for an Enhanced High-Risk Merchant Account in Malta
Taking the first step towards a much-improved experience, our Malta payment processing specialists are ready to assist you in setting up your merchant account. QuadraPay’s collaboration with leading merchant acquiring service providers establishes a rock-solid foundation, ensuring an excellent credit card processing experience for your customers. With easy integration, fast onboarding, and competitive pricing, QuadraPay offers an efficient solutions. Don’t miss out on the opportunity to elevate your payment processing experience, connect with QuadraPay today.